You’re speculating long into the future. I don’t know or believe that the future looks the way you envision.

Monero has infinite inflation so saying that it’s identical to bitcoin is wrong. Bitcoin has no inflation. Supply limit is capped. Monero’s supply is not capped. You are comparing Bitcoin’s issuance of a capped supply to literal inflation in monero. It is not the same thing.

If monero’s market cap remains low and the price doesn’t improve, it will not work as a medium of exchange. Selling a couple million dollars of monero would tank the monero price. Your medium of exchange “may” still be private but you’re poor now.